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SEPA character converter

Paste names, address lines or remittance texts and get SEPA-safe text: umlauts and accents transliterated, symbols replaced, lengths checked against the ISO 20022 field limits — line by line.

Need to fix a whole pain.001 or pain.008 file? SafeCAMT cleans every text field and recalculates NbOfTxs and CtrlSum — locally.

Open SafeCAMT — free, in your browser

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Paste names, address lines or remittance texts — one per line

Field (length limit) Other characters

German style: ä → ae, ö → oe, ü → ue Trim and collapse spaces Cut to the field length

Converted in this page — nothing is uploaded or stored.

The SEPA character set

The EPC rulebooks require every SEPA bank to accept the basic Latin character set, and banks may reject or alter anything else:

a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ - ? : ( ) . , ' +   and the space

Some national communities accept more (for example German umlauts and & between German banks), but a file that uses only the basic set passes everywhere. The converter keeps the letters and turns accented ones into their base letter (é → e, ł → l, ß → ss), & into +, curly quotes into ', and removes (or replaces) whatever cannot be converted.

Field lengths and reference rules

Field ISO 20022 element Max length

Name of debtor / creditor Nm 70

Unstructured remittance information Ustrd 140

Address line AdrLine 70 (hybrid) · 35 in CBPR+ unstructured

Town TwnNm 35

End-to-end reference EndToEndId 35

Field	ISO 20022 element	Max length
Name of debtor / creditor	`Nm`	70
Unstructured remittance information	`Ustrd`	140
Address line	`AdrLine`	70 (hybrid) · 35 in CBPR+ unstructured
Town	`TwnNm`	35
End-to-end reference	`EndToEndId`	35

References and identifiers (EndToEndId, MsgId, PmtInfId, mandate IDs) must not start or end with / and must not contain // — choose “Reference” above to check that.

Already have a pain.001 or pain.008 file with bad characters? SafeCAMT cleans the whole file and recalculates the control sums. For addresses, see the postal address checker.

FAQ

Which characters are allowed in SEPA payments?

The basic Latin set: a–z, A–Z, 0–9, the space and / - ? : ( ) . , ' +. Banks must accept these; anything else may be rejected or changed.

Are German umlauts allowed in SEPA XML?

Some German banks accept ä, ö, ü, ß and & in domestic payments, but they are not part of the basic set every SEPA bank must accept. Write ae, oe, ue and ss to be safe.

What happens to & in a SEPA name?

It is not in the basic character set; the common replacement is +, for example “Smith + Sons”.

Is my text sent anywhere?

No. The conversion runs in your browser; the page has no network access.

Last updated 2026-11-14. Something wrong or missing? Email support@biteapps.cc.